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Smooth, frictionless transactions for your customers are key to maintaining
their trust and loyalty. With Experian data, tools, and analytics, you can track account
activities and transactions in real time to minimize fraud — without impacting
the customer experience. Automatically analyze every transaction to determine the
level of risk, applying all relevant data to make the best decisions, with confidence.
You’ll reduce fraud losses and your overall attack rate, while providing customers
the personalized service they expect.

To enable the best possible customer transactions, it’s important to consider
not only the needs and experiences of your own business, but customer needs as well. We
understand that balance, and are here to help you achieve both.

What do your customers want?

Feel trusted and recognized when they do business with
you

Avoid frustration and embarrassment caused by unwarranted
declines

Gain confidence through easy, trouble-free transactions

Earn rewards for being good and loyal customers

What does your business need to do?

Accurately assess customers before approving account-level
activities

Process good transactions quickly, while preventing
fraud

Automatically analyze every transaction to determine
the level of risk

Case Study - Transactions: Card Not Present and
Account Activities

Who is the Client?

Since it launched in 2007, this airline has relied on a business strategy built
around the customer experience. Because of this strategy, the company now carries
more than six million passengers and serves 23 markets. The airline’s customers
overwhelmingly prefer shopping online, with 75 percent of tickets purchased online.

Business Challenge

The airline's online success led to a rise in fraudulent ticket orders, resulting
in an increase in chargebacks from 1.33 percent of transactions to 1.4 percent in
just two months, totaling $2 million. It was crucial for the company to quickly address
the problem and reduce the chargeback rate.

Our Solution

The client chose Experian’s solution to effectively manage the increasing
fraud without impacting the online customer experience. The product was rapidly deployed
in a 90-day window with almost no impact on the airline’s IT infrastructure,
and with minimal maintenance and support requirements.

Results

Within hours of going live, Experian demonstrated its value by identifying and
cancelling 37 fraudulent tickets that had not yet been used. Within just three months,
investigators used the solution to reduce chargebacks by 73 percent— from 1.40
percent of transactions to less than .10 percent. The airline has saved a total of
$19 million to date and its annual savings have continued to increase, rising to its
most recent $6.6 million.

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How It’s
Done

Experian provides the technology and techniques you need to quickly analyze every
transaction to determine the level of risk and process good transactions without delay.

Working completely behind the scenes to provide a frictionless customer experience,
investigators use powerful tools to rapidly determine if the risk of fulfilling outweighs
potential profit. We apply trust scores to reduce the need for additional validation
checks during checkout.

Experian offers a unique combination of data, analytics, platforms and expertise
you need to effectively manage fraud and identity.

Experian and the Experian marks used herein are service marks or registered trademarks of Experian Informations Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.